EverKey Financial LLC

Item 5: Fees and Compensation

A.​Fee Schedule

Fees are generally charged as a percentage of assets, as a flat fee, or a combination of both as negotiated
individually with each client.

Our fees are highly dependent on a variety of factors, including but not limited to: the specific needs of
the Client, complexity, estimated time, research, and scope of the service to be provided to the Client,
among other factors we deem relevant. We normally charge a fee that encompasses the proposed range
of services to be provided throughout a 12-month period. All our fees are benchmarked against a
national database of industry norms based on plan size and services provided. Fees can also be charged
on an a-la-carte/fee for service basis. All our fees are negotiable at our discretion. Please note, lower fees
for comparable services may be available from other sources.

EverKey, in its own discretion, may charge clients on a fixed fee basis or as a percentage of assets under
advisement depending on various factors. EverKey’s fixed fee may vary but will typically not exceed
$30,000. EverKey’s percentage fee on assets under advisement may vary but will typically not exceed
0.50%. At no point will the fee charged to the Client exceed 2% of assets under management.

Clients who are charged on a fixed fee basis may elect an annual flat dollar fee (at the same rate for the
duration of the advisory relationship) or a tiered flat dollar fee (based on an agreed- upon tiered
schedule).

Consideration of the following factors is made to determine the fee charged:

    ●​   Plan assets (including anticipated future assets)
    ●​   Range or complexity of services required
    ●​   Location/client travel requirements
    ●​   Plan design
    ●​   Meeting requirements
    ●​   Related accounts
    ●​   Prior relationships with us and/or our representatives

As a result of these factors, similarly situated clients could pay different fees and the services we provide
to any particular client could be available from other advisers at lower fees.

We may adjust our fees periodically to account for inflation or to cover the cost of services that fall
outside our standard scope of services. Fees will not be adjusted without advance notice and written
acceptance by the client. Travel expenses and other out-of-pocket costs (if applicable) may be billed to
the client separately, as detailed in the client agreement. Lower fees for comparable services may be
available from other sources.

B.​Payment of Fees

Method of Payment
Clients may choose to pay for our services via deduction from plan assets (deduction made by
recordkeeper/custodian then paid to EverKey) and/or direct payment to EverKey for fees incurred on a
case-by-case basis pursuant to client agreement. Generally, the client’s recordkeeper or custodian will
allow the client to authorize payment to EverKey directly from plan assets. If agreed to by the client and
EverKey, fees may be billed monthly or quarterly in arrears depending on the client’s selected
recordkeeper or custodian. In certain circumstances, as determined by the client and EverKey, fees may
be invoiced directly to the client on a quarterly basis ("Billing Period”) either in advance or in arrears. The
billed or invoiced fee, frequency and payment method are stated in the client agreement.

Fees Invoiced In Advance

Fees invoiced in advance are invoiced at the inception of the agreement, prorated for the remainder of
the quarter, and quarterly in advance thereafter. Fees invoiced in advance based on a percentage of
assets, unless otherwise indicated, will be based on plan assets valued net of Excluded Assets as of the
first date after the inception of the agreement that plan asset data is available. If applicable, a Client will
be entitled to a prorated refund of any consulting fees paid in advance for the last billing period, based
upon the number of days remaining after the effective date of termination.

Fees Invoiced In Arrears

For fees invoiced in arrears based on a percentage of assets, plan assets are valued net of Excluded
Assets as of the last day of the Billing Period, unless otherwise indicated. Initial fees invoiced will be the
amount, prorated for the number of days remaining in the initial Billing Period. Thereafter, fees will be
invoiced at the end of each calendar month/quarter. Termination fees billed will be the amount, prorated
for the number of days remaining in the last Billing Period, prior to the effective date of termination.

C.​Client Responsibility For Third Party Fees

Clients are responsible for the payment of all third-party fees (i.e., custodian fees, brokerage fees, mutual
fund fees, transaction fees, etc.). Those fees are separate and distinct from the fees and expenses
charged by EverKey and will be disclosed in fund prospectuses and/or third-party provider service
agreements. EverKey does not receive any portion of these fees. Please see Item 12 of this brochure
regarding broker-dealer/custodian.

D.​Prepayment of Fees

EverKey collects its fees either in arrears or in advance. EverKey does not require clients to pay fees of
more than $1,200, per client, six months or more in advance.

E.​Outside Compensation For the Sale of Securities to Clients

EverKey does not accept compensation for the sale of securities or other investment products.

Clients always have the option to purchase recommended products through other brokers or agents that

are not affiliated with EverKey.

Item 7: Types of Clients

EverKey provides consulting services to the following types of clients:

    ●​   Pension and Profit Sharing Plans
    ●​   For-Profit Corporations, Partnerships and Other Business Entities
    ●​   State and Municipal Governmental Entities
    ●​   Private Lower and Higher Education Institutions
    ●​   Not-For-Profit Organizations

Minimum Account Size

There is no account minimum for any of EverKey’s services.